I am a loan officer that has successfully originated over 200 Rural Housing Mortgage Loans in Kentucky, Put my expert advice to use. This website is not affiliated with USDA or any other government agency. NMLS#57916 Equal Housing Lender

Originally posted on Mortgage News:For home buyers today, there are two mortgage programs which offer 100% financing. The first is the VA loan from the Department of Veterans Affairs. It’s available to most active military personnel and veterans nationwide. The other program is the U.S. Department of Agriculture’s Rural Development Single Family Housing Loan Guarantee Program. Sometimes called a “Rural Housing Loan” or a “Section 502″ loan, today’s USDA financing isn’t just for farms. Because of the way the USDA defines “rural”, there are plenty of exurban and suburban neighborhoods nationwide in which USDA loans can be used. Home buyers who buy a home in a qualified USDA area, and who meet USDA income eligibility requirements, can take advantage of the USDA’s low interest rate, no downpayment mortgage program.. What Are The Benefits Of A USDA Home Loan? USDA mortgages are structured just like conventional ones via Fannie Mae and Freddie Mac. Where they differ, though, is with respect to downpayment requirements and mortgage insurance. Unlike conventional loans, USDA mortgages have no down payment requirement,…

An Introduction to Rural Housing Development Guaranteed Rural Kentucky USDA Guaranteed Rural Housing Home Loans USDA guaranteed loans are designed to make home ownership possible for low- and moderate-income families. Offered through USDA Rural Development, these loans feature: No down payment requirement Low monthly mortgage insurance premiums Flexible credit and qualifying guidelines Eligibility requirements include (but are not limited to): Borrowers must not currently have adequate housing Borrowers must occupy the purchased home Homes must be in a residential Rural Development eligible area For more information and to apply for an Kentucky FHA, VA, USDA or other type of Kentucky mortgage, contact one of our and take the next step toward home ownership today! – Joel Lobb (NMLS#57916) Senior Loan Officer 502-905-3708 cell 502-813-2795 fax kentuckyloan@gmail.comhttp://mylouisvillekentuckymortgage.com CONFIDENTIALITY NOTICE: The documents accomp Housing Program . RHD has several online resources to assist you with learning the eligibility rules and the calculations for the guarantee fees. · Income and property eligibility: http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do?NavKey=&#8230; · USDA Lender Interactive Network Connection (LINC) website for training and job aids: https://usdalinc.sc.egov.usda.gov/USDALincTrainingResourceLib.do · The Guaranteed Underwriting …

Secretary Announces Refinancing Help for Rural USDA Home Loan Borrowers in Select States | The White House. via Secretary Announces Refinancing Help for Rural USDA Home Loan Borrowers in Select States | The White House. Related Articles Secretary Announces Refinancing Help for Rural USDA Home Loan Borrowers in Select States | The White House (kentuckyfirsttimehomebuyer.com) Government shutdown affects on USDA, FHA, VA, Rural Housing, KHC and Fannie Mae Mortgage loans in Kentucky (mylouisvillekentuckymortgage.com) The difference between a front-end and a back-end debt-to-income ratio for a Kentucky Mortgage Loan FHA, VA, KHC, USDA, Fannie Mae (louisvillekentuckymortgagerates.com) Rural Development Plan for Operations in the Absence of Appropriations (louisvillekentuckymortgagerates.com) USDA area changes delayed again!!! (kentuckyusdaloan.com) How the shutdown will affect Home loans (kentuckyusdaloan.com) Kentucky Rural Housing and Usda Loans Affected Due to Government Shutdown (mylouisvillekentuckymortgage.com) Update on Kentucky USDA and Rural Development Home loan Operations on government shutdown (trulia.com) Five Different Types of Mortgage Loans Available for Kentucky First-time Homebuyers (trulia.com) Louisville Kentucky FHA, VA, USDA, and Fannie Mae Mortgage Loan Guidelines for 2013 (kentuckyfirsttimehomebuyer.com)

What You Need To Know About A Mortgage… BEFORE You Get One!!!. via What You Need To Know About A Mortgage… BEFORE You Get One!!!. Related Articles First Time Home Buyer Louisville Kentucky Mortgage Programs (louisvillekymortgage.net) FHA expands mortgage backing to the once bankrupt (trulia.com) Mortgage Rule Changes: A year later (kentuckyfirsttimehomebuyer.com) Ever hear of a Reverse Mortgage ? (dylanjamespost.wordpress.com) Mortgage Rates Dip Slightly (athomesense.com) ‘Unsubstantiated’ mortgage mis-selling advert pulled (telegraph.co.uk) Some Facts from the “Mortgage Expert” (mortgagelendingstatenisland.com) Pay Down Your Mortgage or Invest? (dylanjamespost.wordpress.com) Pay Down Your Mortgage or Invest? (smarinkovicblog.wordpress.com) Mortgage Broker Staten Island (mortgagelendingstatenisland.com)

USDA Home Loans for the Self-Employed Looking for a home loan when you are self-employed can be a bit challenging but a USDA loan may be a great option. Many banks and lenders shy away from this type of loan due to the complex nature and experience that it requires. These scenarios can be complicated but with proper analysis and documentation the outcome can be successful. This short video will explain how to qualify for a USDA home loan if you are self-employed. via How do you qualify for a USDA Mortgage if you are self-employed?. Who are considered self-employed when applying for a USDA loan? • 1099 Contractors are considered self-employed • W2 Employees who are 100% commissioned • Converting from a self-employed to a W2 employee can be acceptable What are the USDA guidelines for the self-employed? Minimum guidelines require that a self-employed borrower must have 2 years of self-employment history. Common documents that will be needed for verification purposes include articles of incorporation when applicable …

I have helped over 589 families buy or refinance their home over the last 13 years. You can trust me for your next mortgage loan. I deliver on what I say and I will give you honest, up-front personal attention you deserve for your home loan.

I have several advantages over the big- mega banks in town. First, I can shop your loan thru different mortgage companies across the country to get you the best deal out there, whereas most banks will offer offer you there one and only deal. I have access to over 15 different mortgage companies to broker your loan thru.

My rates and fees are just as good or better than local banks and you will not get lost in the shuffle like most borrowers do at the mega banks; you're just not a number at our company, you are a person and we will treat you like one throughout the entire process.

Give us a try or let us compare what you have now. Call me locally at 502-905-3708. Free Mortgage Pre-Qualifications same day on most applications.

Email me at kentuckyloan@gmail.com with your questions

This website is not an government agency, and does not officially represent the HUD, VA, USDA or FHA or any other government agency.

For the first time buyer with little money, Kentucky Housing/KHC offers(zero-down)loans with down payment assistance loan thru KHC

Email me at kentuckyloan@gmail.com

I compare Kentucky Mortgage Rates daily for your best interest

Customer Testimonials

"We were searching online for mortgage companies in Louisville KY locally to deal with and found Joel's website, and it was a godsend. He was great to work with, and delivered on everything he said he would do. I ended up referring my co-worker at UPS, and she was very pleased with his service and rates too. Would definitely vouch for him." September 2013

Monica Leinhardt

"We contacted Joel back in July 2011 to refinance our Mortgage and he was great to work with. We contacted several lenders locally and online, and most where taking almost 60 days to close a refinance, Joel got it done in 23 days start to finish, I would definitely recommend him. He got us 3.75% with just $900 in closing costs on our FHA Streamline loan.

Kayle Griffin

“Joel is one of the best Mortgage Brokers I have ever worked with in my sixteen years in the real estate and mortgage business.” May 25, 2010

Tim Beck

“Joel has always worked very hard to keep his word and to work out seasonable solutions to difficult problems. He is truly an expert in FHA and other type loans.” September 1, 2010

Nancy Nalley

“I have worked with Joel since 1998. He is a great loan professional.” August 23, 2010

Jon ClarK

“Joel Lobb is a real professional in the lending industry, with many years of experience, he is the one to go to for any mortgage lending needs.” August 22, 2010

RICHARD VOLZ , Residential Sales , Remax Foursquare Realty

“When looking to purchase our new home in 2006, I had the pleasure of meeting Joel Lobb. Not only was he personable and easy to reach, he was extremely knowledgeable in his field and made sure to find us the best rate and a top notch mortgage company. We were able to complete the process in less than 3 weeks with his expertise. I find Joel to have the utmost high integrity and I recommend him to anyone who say's they are need of mortgage assistance. He is also fantastic and keeping everyone up to date on the latest in the housing industry through his twitter posts. He provided great results for our family and we still communicate to this day!” August 21, 2010

Stacie Drake

"We first use Joel on our new home purchase in 2007 in St Matthews and he was great to work with. We have since refinanced our home with him in 2012 when rates got really low and he has always delivered on what he says. I could not imagine using anyone else."

Rural Development Kentucky Eligibility Maps Change on February 2, 2015 Barring Congressional action that extends current eligible areas, effective February 2, 2015, Rural Development will, with a few...

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The content provided on this website is presented or compiled by Joel Lobb and is provided for informational purposes only.

Neither Joel Lobb nor Mortgage assumes any legal liability or responsibility for the accuracy, completeness, or usefulness of any information disclosed, or represents that its use would not infringe privately owned rights.

The mortgage or financial services or strategies mentioned in this website may not be not suitable for you.
Equal Opportunity Lender. All rights Reserved.

Equal Housing Lender
Equal Housing Lender

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This policy is valid from 11 July 2013

This blog is a sponsored blog created or supported by a company, organization or group of organizations. For questions about this blog, please contact Joel Lobb 502-905-3708 or email kentuckyloan@gmail.com NMLS# 57916.

This blog does not accept any form of advertising, sponsorship, or paid insertions. We write for our own purposes. However, we may be influenced by our background, occupation, religion, political affiliation or experience.

This blog abides by word of mouth marketing standards. We believe in honesty of relationship, opinion and identity. The compensation received may influence the advertising content, topics or posts made in this blog. That content, advertising space or post will be clearly identified as paid or sponsored content.

The owner(s) of this blog is not compensated to provide opinion on products, services, websites and various other topics. The views and opinions expressed on this blog are purely the blog owners. If we claim or appear to be experts on a certain topic or product or service area, we will only endorse products or services that we believe, based on our expertise, are worthy of such endorsement. Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer or provider.

This blog does contain content which might present a conflict of interest. This content will always be identified.

Email Subscription

Enter your email address to subscribe to this blog and receive notifications of new posts by email.

Join 1,243 other followers

I have helped over 589 families buy or refinance their home over the last 13 years. You can trust me for your next mortgage loan. I deliver on what I say and I will give you honest, up-front personal attention you deserve for your home loan.

I have several advantages over the big- mega banks in town. First, I can shop your loan thru different mortgage companies across the country to get you the best deal out there, whereas most banks will offer offer you there one and only deal. I have access to over 15 different mortgage companies to broker your loan thru.

My rates and fees are just as good or better than local banks and you will not get lost in the shuffle like most borrowers do at the mega banks; you're just not a number at our company, you are a person and we will treat you like one throughout the entire process.

Give us a try or let us compare what you have now. Call me locally at 502-905-3708. Free Mortgage Pre-Qualifications same day on most applications.

Email me at kentuckyloan@gmail.com with your questions

This website is not an government agency, and does not officially represent the HUD, VA, USDA or FHA or any other government agency.

For the first time buyer with little money, Kentucky Housing/KHC offers(zero-down)loans with down payment assistance loan thru KHC

Email me at kentuckyloan@gmail.com

I compare Kentucky Mortgage Rates daily for your best interest

Customer Testimonials

"We were searching online for mortgage companies in Louisville KY locally to deal with and found Joel's website, and it was a godsend. He was great to work with, and delivered on everything he said he would do. I ended up referring my co-worker at UPS, and she was very pleased with his service and rates too. Would definitely vouch for him." September 2013

Monica Leinhardt

"We contacted Joel back in July 2011 to refinance our Mortgage and he was great to work with. We contacted several lenders locally and online, and most where taking almost 60 days to close a refinance, Joel got it done in 23 days start to finish, I would definitely recommend him. He got us 3.75% with just $900 in closing costs on our FHA Streamline loan.

Kayle Griffin

“Joel is one of the best Mortgage Brokers I have ever worked with in my sixteen years in the real estate and mortgage business.” May 25, 2010

Tim Beck

“Joel has always worked very hard to keep his word and to work out seasonable solutions to difficult problems. He is truly an expert in FHA and other type loans.” September 1, 2010

Nancy Nalley

“I have worked with Joel since 1998. He is a great loan professional.” August 23, 2010

Jon ClarK

“Joel Lobb is a real professional in the lending industry, with many years of experience, he is the one to go to for any mortgage lending needs.” August 22, 2010

RICHARD VOLZ , Residential Sales , Remax Foursquare Realty

“When looking to purchase our new home in 2006, I had the pleasure of meeting Joel Lobb. Not only was he personable and easy to reach, he was extremely knowledgeable in his field and made sure to find us the best rate and a top notch mortgage company. We were able to complete the process in less than 3 weeks with his expertise. I find Joel to have the utmost high integrity and I recommend him to anyone who say's they are need of mortgage assistance. He is also fantastic and keeping everyone up to date on the latest in the housing industry through his twitter posts. He provided great results for our family and we still communicate to this day!” August 21, 2010

Stacie Drake

"We first use Joel on our new home purchase in 2007 in St Matthews and he was great to work with. We have since refinanced our home with him in 2012 when rates got really low and he has always delivered on what he says. I could not imagine using anyone else."

Email Subscription

Enter your email address to subscribe to this blog and receive notifications of new posts by email.

Join 1,243 other followers

I have helped over 589 families buy or refinance their home over the last 13 years. You can trust me for your next mortgage loan. I deliver on what I say and I will give you honest, up-front personal attention you deserve for your home loan.

I have several advantages over the big- mega banks in town. First, I can shop your loan thru different mortgage companies across the country to get you the best deal out there, whereas most banks will offer offer you there one and only deal. I have access to over 15 different mortgage companies to broker your loan thru.

My rates and fees are just as good or better than local banks and you will not get lost in the shuffle like most borrowers do at the mega banks; you're just not a number at our company, you are a person and we will treat you like one throughout the entire process.

Give us a try or let us compare what you have now. Call me locally at 502-905-3708. Free Mortgage Pre-Qualifications same day on most applications.

Email me at kentuckyloan@gmail.com with your questions

This website is not an government agency, and does not officially represent the HUD, VA, USDA or FHA or any other government agency.

For the first time buyer with little money, Kentucky Housing/KHC offers(zero-down)loans with down payment assistance loan thru KHC

Email me at kentuckyloan@gmail.com

I compare Kentucky Mortgage Rates daily for your best interest

Customer Testimonials

"We were searching online for mortgage companies in Louisville KY locally to deal with and found Joel's website, and it was a godsend. He was great to work with, and delivered on everything he said he would do. I ended up referring my co-worker at UPS, and she was very pleased with his service and rates too. Would definitely vouch for him." September 2013

Monica Leinhardt

"We contacted Joel back in July 2011 to refinance our Mortgage and he was great to work with. We contacted several lenders locally and online, and most where taking almost 60 days to close a refinance, Joel got it done in 23 days start to finish, I would definitely recommend him. He got us 3.75% with just $900 in closing costs on our FHA Streamline loan.

Kayle Griffin

“Joel is one of the best Mortgage Brokers I have ever worked with in my sixteen years in the real estate and mortgage business.” May 25, 2010

Tim Beck

“Joel has always worked very hard to keep his word and to work out seasonable solutions to difficult problems. He is truly an expert in FHA and other type loans.” September 1, 2010

Nancy Nalley

“I have worked with Joel since 1998. He is a great loan professional.” August 23, 2010

Jon ClarK

“Joel Lobb is a real professional in the lending industry, with many years of experience, he is the one to go to for any mortgage lending needs.” August 22, 2010

RICHARD VOLZ , Residential Sales , Remax Foursquare Realty

“When looking to purchase our new home in 2006, I had the pleasure of meeting Joel Lobb. Not only was he personable and easy to reach, he was extremely knowledgeable in his field and made sure to find us the best rate and a top notch mortgage company. We were able to complete the process in less than 3 weeks with his expertise. I find Joel to have the utmost high integrity and I recommend him to anyone who say's they are need of mortgage assistance. He is also fantastic and keeping everyone up to date on the latest in the housing industry through his twitter posts. He provided great results for our family and we still communicate to this day!” August 21, 2010

Stacie Drake

"We first use Joel on our new home purchase in 2007 in St Matthews and he was great to work with. We have since refinanced our home with him in 2012 when rates got really low and he has always delivered on what he says. I could not imagine using anyone else."

This blog is a sponsored blog created or supported by a company, organization or group of organizations. For questions about this blog, please contact Joel Lobb 502-905-3708 or email kentuckyloan@gmail.com NMLS# 57916.

This blog does not accept any form of advertising, sponsorship, or paid insertions. We write for our own purposes. However, we may be influenced by our background, occupation, religion, political affiliation or experience.

This blog abides by word of mouth marketing standards. We believe in honesty of relationship, opinion and identity. The compensation received may influence the advertising content, topics or posts made in this blog. That content, advertising space or post will be clearly identified as paid or sponsored content.

The owner(s) of this blog is not compensated to provide opinion on products, services, websites and various other topics. The views and opinions expressed on this blog are purely the blog owners. If we claim or appear to be experts on a certain topic or product or service area, we will only endorse products or services that we believe, based on our expertise, are worthy of such endorsement. Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer or provider.

This blog does contain content which might present a conflict of interest. This content will always be identified.

Website Fine Print
The content provided on this website is presented or compiled by Joel Lobb and is provided for informational purposes only. It does not necessarily represent the views or opinions of his employer.

Joel Lobb or his employer assumes any legal liability or responsibility for the accuracy, completeness, or usefulness of any information disclosed, or represents that its use would not infringe privately owned rights.

The mortgage or financial services or strategies mentioned in this website may not be not suitable for you.

This website participates as an Equal Opportunity Lender. All rights Reserved.

This web site is not the FHA, VA, USDA, HUD or any other government organization responsible for managing, insuring, regulating or issuing residential mortgage loans.

**Download Fair Housing Booklet – CLICK HERE

All approvals and rates are not guaranteed, and are only issued based on standard mortgage qualifying guidelines.

I am a loan officer that has successfully originated over 200 Rural Housing Mortgage Loans in Kentucky, Put my expert advice to use. This website is not affiliated with USDA or any other government agency. NMLS#57916 Equal Housing Lender